Research On The Security Capacity Of Housing Provident Fund For Middle And Low Income Groups

This article begins with the current housing accumulation fund being riddled with the hat of "robbing the poor and helping the rich",which is based on the questionable background.It illustrates the importance of studying the housing provident fund's guarantee role for low-and middle-income groups,and takes Danzhou City as an example.Investigating a large number of relevant literatures,using the survey method,combining empirical analysis with theoretical analysis,fully expressing the housing status,housing purchasing capacity and housing accumulation fund of low-and middle-income groups in Danzhou City,and introducing the low housing security fund guarantee in Danzhou City.The specific practices and main problems of housing demand for income groups--the housing provident fund has a weakened ability to support low-and middle-income groups.Then,according to the analysis of the reasons for the weakening of the housing provident fund for the protection of low-and middle-income groups:First,the low-income group does not pay the housing provident fund can not enjoy the provident fund policy,the second is the deposit is not standardized,the low-income group of the provident fund is ineffective,the third is The extraction conditions are severe,the balance of the provident fund is not fully utilized,and the fourth is the limitation of many conditions of the loan.It is difficult to purchase housing through the provident fund loan.The fifth is the single income of the provident fund deposit,and the long-term loss depreciates.Finally,it puts forward some countermeasures and suggestions for strengthening the housing provident fund for the housing support ability of low-and middle-income groups:First,strengthen the collection of non-public enterprises,expand the coverage of low-and medium-income contributions,and secondly,standardize deposit management,innovative payment methods,and reduce payment.Differences exist,the third is to relax the conditions for the withdrawal of housing provident fund,the fourth is to optimize the housing provident fund loan policy,and the fifth is to give full play to the housing provident fund value-added income function.